What Stonehedge Financial does

Stonehedge Financial (legal name: Stone Hedge Financial) is a privately held boutique wealth management firm and Registered Investment Adviser headquartered at 9841 Washingtonian Blvd., Suite 235, Gaithersburg, Maryland. The firm provides concierge-style comprehensive financial planning services to affluent individuals, families, closely held business owners, and foundations, with a service mix spanning accumulation (asset allocation and portfolio management), risk management, taxation, business planning (including succession and executive compensation), retirement planning (Social Security, Medicare, distributions), and estate planning (wealth transfer, charitable giving). The firm also offers specialized Strategic Equity Compensation Guidance covering stock options, RSUs, ISOs, and non-qualified stock options with concentration management strategies.

The firm's technology stack is built entirely on third-party platforms accessed through its strategic affiliation with Commonwealth Financial Network, which serves as its RIA and broker-dealer. Client-facing tools include Investor360, eMoney, MoneyGuidePro, RightCapital, and WealthScape for account access and planning; content distribution leverages the FMG Suite platform for educational articles, videos, and calculators. The firm's go-to-market is sales-led, relying on professional referrals, personal networks, and content marketing to attract clients in the Washington metropolitan area and across the United States.

The business model is a hybrid of AUM-based advisory fees, flat-fee financial planning engagements, and commissions on insurance and investment products facilitated through Commonwealth. The firm is operated by a single named financial advisor, Robert Karcz (CRPC, in financial services since 2004), supported by Commonwealth's research and advanced planning teams. The firm is explicitly restricted to clients residing in the United States and does not publicly disclose AUM, revenue, or client count.

Name

Stonehedge Financial

Legal name

Stone Hedge Financial

Website

https://stonehedgefinancial.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Stonehedge Financial is a boutique wealth management firm in Gaithersburg, MD providing concierge-style financial planning — including retirement, tax, estate, business succession, and equity compensation services — to affluent individuals, families, business owners, and foundations, via a Commonwealth Financial Network affiliation.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Wealth management services
• Financial planning advisory
• Retirement planning services
• Estate planning advisory
• Investment advisory services

Headquarters

HQ city

Gaithersburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Advisory Fees (AUM-based): Fee-based advisory services where compensation is typically based on assets under management. Services offered through Commonwealth Financial Network, a Registered Investment Adviser.
2. Financial Planning Fees: Comprehensive financial planning services including wealth management, retirement planning, tax planning, estate planning, and business planning.
3. Insurance and Investment Product Commissions: Commissions from insurance products and investment transactions facilitated through Commonwealth Financial Network broker-dealer platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Stonehedge Financial provides concierge-style boutique wealth management and comprehensive financial planning services to affluent individuals, families, business owners, and foundations. Core offerings include accumulation (asset allocation and portfolio management), risk management, taxation planning, business planning (succession, executive compensation), retirement planning (Social Security, Medicare, distributions), and estate planning (wealth transfer, charitable giving), delivered through its affiliation with Commonwealth Financial Network.

Product overview

Stonehedge Financial operates as a boutique wealth management firm providing concierge-style financial planning services. The firm offers a unified set of core services including Accumulation (asset allocation and portfolio management), Risk Management, Taxation (tax-efficiency and year-round planning), Business Planning (including succession and executive compensation), Retirement Planning, and Estate Planning (wealth transfer, charitable giving). Additionally, the firm specializes in Strategic Equity Compensation Guidance for executives. Services are delivered through Robert Karcz, a Chartered Retirement Planning Counselor, with support from Commonwealth Financial Network's research and advanced planning teams.

Differentiator

Problem solved

Functional benefit

Products and services

• Accumulation Services Asset allocation and portfolio management strategies to help construct a solid financial base and target asset growth for individuals, families, business owners, and foundations.
• Risk Management Services Proactive risk management planning to help preserve assets, including long-term care insurance and life insurance for estate preservation, for individuals and business owners.
• Taxation Services Year-round tax planning and tax-efficiency strategies to maximize cash flow and minimize taxes for clients across their financial lives.
• Business Planning Services Planning services for business owners and shareholders, covering business management, risk exposure, succession planning, executive compensation, and retirement exit strategies.
• Retirement Planning Services Comprehensive retirement planning including Social Security optimization, Medicare options, investment strategies, retirement account distributions, and long-term care insurance.
• Estate Planning Services Legacy and estate planning services including wealth transfer strategy, tax considerations, asset protection, and charitable giving strategies for individuals, families, and foundations.
• Strategic Equity Compensation Guidance Specialized planning for executives navigating tax implications of stock options, RSUs, incentive stock options, and non-qualified stock options, including guidance on concentrated stock positions and net appreciation strategies.

Quantifiable outcome

• Target asset growth through accumulation strategies
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Commonwealth Financial NetworkcoreTechnology or IntegrationStrategic affiliation providing RIA and broker-dealer services. Commonwealth serves as the firm's investment advisory and brokerage platform, offering access to investment research teams, asset management consultants, and advanced planning professionals. The partnership provides Stonehedge clients with access to Commonwealth's Preferred Portfolio Services (PPS) Select program, model portfolios, and specialized planning consultants for complex financial situations including estate, tax, charitable, business, and executive compensation planning.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Creative Planning: Large national RIA providing comprehensive financial planning, investment management, tax, and estate services to HNW individuals and business owners. Competes for the same affluent clientele as Stonehedge with a much larger advisor base.
• Carson Group: Large RIA/Broker-Dealer platform that supports independent advisors and serves HNW and business-owner clients with comprehensive financial planning. Comparable as a delivery vehicle for independent advisors like Stonehedge, but with vastly larger scale and broader services.
• Edelman Financial Engines: Large national RIA offering financial planning and wealth management to mass-affluent and HNW clients. Overlaps with Stonehedge on comprehensive planning services and affluent target market but operates at a far larger scale with employer-sponsored channels.
• Focus Financial Partners: Consolidator of independent RIAs serving HNW clients with comprehensive wealth management, planning, and tax services. Provides an alternative affiliation/roll-up path to Commonwealth for solo advisors like Stonehedge.
• Cetera Financial Group: Independent advisor network and broker-dealer supporting independent financial advisors serving HNW clients. Comparable to Commonwealth as a platform option for solo advisors delivering comprehensive planning.
• Cambridge Investment Research: Independent broker-dealer/RIA platform affiliating thousands of independent financial advisors. Comparable as another Commonwealth-style affiliation alternative for boutique wealth managers.

Direct peers

• Mercer Advisors: Mid-size national RIA offering comprehensive financial planning, wealth management, tax, and estate services to HNW individuals and families. Comparable to Stonehedge in scope of planning services and affluent target market, but at much greater scale.
• Savant Wealth Management: Mid-size RIA offering comprehensive financial planning, investment management, tax, and retirement services to individuals and business owners. Comparable in service mix and target clientele, with multi-office presence.
• Halbert Hargrove Global Advisors: Boutique RIA providing comprehensive financial planning, investment advisory, and family-office-style services to HNW individuals and families. Closely comparable to Stonehedge in boutique scale, comprehensive planning model, and affluent clientele.
• Mariner Wealth Advisors: RIA providing comprehensive financial planning, tax, estate, and investment advisory to HNW clients and business owners. Closely comparable to Stonehedge in service breadth and clientele, but with national footprint and significant scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/stonehedge-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stonehedge Financial